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6 de mayo de 2019 Por PAULA PANT

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# 192: THE LATTE

FACTOR, CON EL
AUTOR DAVID BACH

Paula Pant        

autor David Bach          

"No compre café

con leche".

Este fragmento
clásico de
consejos de
nanzas
personales no es
especí camente anti-Starbucks. Los "Lattes" son una
metáfora de los pequeños gastos que escapan dinero de
nuestros bolsillos, a menudo sin que nos demos cuenta
de cuánto estamos gastando.

Su "café con leche" podría ser un montón de

suscripciones: HBONow, YouTube Red, Spotify Premium,
 Net ix, Hulu Plus, la membresía de CostCo que no ha

utilizado en dos años y, para el caso, la membresía de
gimnasio que también tiene No se usa en dos años.
(Ejem.)

Su “café con leche” podría estar comprando agua

embotellada y refrigerios en el aeropuerto, o
distraídamente comprando en línea cuando está
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aburrido, o pidiendo comida para llevar o entrega en

restaurantes con demasiada frecuencia.

Su "café con leche" podría estar gastando demasiado en

baratijas y recuerdos durante sus vacaciones, cuando las
fotografías capturarían el recuerdo.

David Bach es el autor más vendido del New York Times

que creó la frase "no compre café con leche". Su
inspiración para esta frase fue una conversación con una
joven que insistió en que no tenía su ciente dinero para
ahorrar para la jubilación, aunque ella sostenía una taza
de Starbucks en su mano.

Bach calculó que ahorrar un café con leche y bizcochos

diarios de $ 5 en Starbucks se traduciría en un ahorro de
$ 2,000 por año. (Técnicamente, $ 5 por día, 365 días por
año, es $ 1,825, pero puede recortar algunas Coca-Cola
Light y barras de caramelo para redondear).

If you invest $2,000 annually into a tax-deferred

retirement account, Bach points out, you’ll have a decent
chance of having $1 million or more upon retirement,
depending on the age at which you start investing and
market returns.
 “The so-called small things on which we waste money

every day can add up in a hurry to life-changing
amounts,” he wrote in his bestselling book, The
Automatic Millionaire.

The “don’t buy lattes” catchphrase has become so popular

that it’s inspired a wave of public discussion, as personal
nance enthusiasts debate whether we should focus on
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trimming the corners or chasing larger but less-certain

wins.

Lattes are a metaphor for life.

It’s tting, then, that David Bach’s nal personal nance

book, The Latte Factor, is written as a parable. He
introduces us to a main character named Zoey Daniels, a
27-year-old New York magazine editor who believes she
doesn’t earn enough to amass savings, despite her
decent-but-not-spectacular income.

David joins us on today’s podcast episode to share Zoey’s

story and describe how to grow wealth at any income
level. He also describes the radical sabbatical that he’ll
embark on next.

Paula Pant        

uthor David Bach          

Thanks to our sponsors!

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 5 COMMENTS LEAVE A COMMENT


JENNIFER REPLY ↓

# MAY 6, 2019 AT 1:03 PM

Hey, Paula! I adore you and your podcast!

I was so looking forward to listening to
this episode, but had to stop about
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twenty minutes in because it began to
feel like stream of consciousness
mansplaining (sorry to use such a sexist
term, guys.), rather than your normal,
interesting, two-way interviews. That
being said, I love David Bach’s work and
have read all of his books, and will most
likely get his new book from the library
once it’s available. Hope this isn’t too
Negative Nancy, but felt compelled to
comment. I’ll be sure to also balance this
out with positive comments on your
other episodes because I have many,
many positive things to say!! I love your
work. Thank you!!

SARA REPLY ↓

# MAY 30, 2019 AT 9:59 PM

I agree with you Jennifer. I am

not a huge fan of Bach and
while he had some really
interesting ideas I walked away
with from this episode, I felt
like the interview was heavy on
“mansplaining” and a sales
pitch.
 

SALOME REPLY ↓

# MAY 6, 2019 AT 10:06 PM

Paula – thank you for doing the end of

interview summaries! I especially loved
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this one because of how beautifully and
eloquently you summed up the nal key
take away. “FIRE/FITE is not about
retiring into nothingness. It’s not about
withdrawal. It’s about transition into
something more EPIC, more adventurous,
more loving, more meaningful…FIRE is a
calling that stirs your soul. It’s an inner
voice that says, ‘You know what? The
status quo of my life does not quite feel
right, and I have the power to do
something about it. THAT is the essence
of FIRE.’” This is why what you do is so
important because it gives a voice and life
to ideas and thoughts that can ignite a
FIRE, pun intended

I didn’t like using the term FIRE because

of the “retire early” part. So I loved how
David Bach shared the idea of FITE and
that you connected the dots to
transitioning to a different life. It
sometimes feels like there’s
pressure/guilt to continue to work
because it’s not ok to not be a productive
member of society. Because we always
have to be doing, we can’t just be? So I
love that you’re contemplating walking
the talk by taking a sabbatical. I can’t wait
to hear your experience on what it’s like
to completely disconnect. What feelings
 does that stir up? And where does
re ecting on it take you? Your insights 
could be a great help to all of us! Thanks
again for all you do!

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ALICE REPLY ↓

# MAY 8, 2019 AT 3:09 PM

I nearly didn’t listen to this because of the

author, but I’m glad I did. Great episode!

JENNIFER DISLA RESPONDER ↓

# 9 DE MAYO DE 2019 A LAS 9:26 P.M.

Gran episodio! De nitivamente tomar el

año sabático! ¡Realmente disfruté su
comentario sobre el consejo de su abuela!

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